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Our Foreign National mortgage lenders offer financing solutions for non-U.S. citizens purchasing or refinancing real estate in the United States, particularly for second homes, vacation homes, and investment properties. Depending on the loan program, borrowers may be able to qualify without a U.S. credit score or traditional U.S. credit reference letters, with underwriting based instead on alternative documentation, borrower profile, property type, reserves, and country eligibility.
Foreign National mortgage loans are part of the broader Non-QM mortgage landscape and can vary significantly by lender. Common qualifying considerations include occupancy type, loan-to-value limits, documentation requirements, source of funds, cash reserves, property type, and any country-specific restrictions that may apply to the borrower or transaction.
Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. *
Fix and Flip’sGround Up Construction ITIN Programs to 95% LTV ITIN No Credit Score and No Visa Required TermsHELOCsFixed Rate closed end Eligible Property TypesSFRCondominium
“Your Expert Non-Qualified Mortgage Lender” Non-QM Non-QM Seconds Business Purpose Lending DPA, DPA Plus & DPA Deluxe Jumbo Loans * Mortgage Pre-Qualification Form – No
BluePoint Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Closed-end Second Mortgage DSCR
DSCR Loan Program 85% LTV 11 Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval
Lender-Broker Notes Your First Look for Non-QM: Built for real-life borrowers; the self-employed, real estate investors, income diverse and credit-challenged clients. Borrowers that conventional lenders
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return